Repsol más Platinum Visa card

With the Repsol más Visa Platinum Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

• Full payment: pay your monthly credit card bill on the 21st of the same month or the 5th of the following month.
• Deferred revolving payment: pay a fixed amount of the bill on the 21st of each month, with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.

The Repsol más Visa Platinum Card lets you save on fuel costs:

• 3-cent discount on the spot per liter of Efitec 95 Neotech, Diésel e+ Neotech and AutoGas.
  
• 5-cent discount on the spot per liter of Efitec 98 Neotech and Diésel e+ 10 Neotech.
• Quarterly discount of 2 cents/liter if you refuel at least 250 liters during the quarter. Refunded by way of a fuel check to be used at Repsol Group gas stations within 3 months after its issue.
• Waiver of the annual issue and maintenance fee of the debit card for refueling at least 500 liters in a year (maximum value of €45). A fuel check is refunded, to be used in Repsol Group gas stations 3 months after its issue.

You will also get 5% off in stores and on lubricants, car washes and Blue+ of the Repsol Group, and other benefits, which you can check on the Repsol website.  

With the Repsol más Platinum Visa card You will obtain a series of additional benefits:

• Security at ATMs.
• Protection against fraudulent use of the card.
• Accident insurance of up to €1,250,000.
• Travel insurance.
• You can purchase BBVA Payment Protection Insurance to protect you against the unexpected if you can't make your credit card payments.

With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50. 

The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month. 

The first payment in both cases is different: 

• For a personalized payment with interest, it only includes interest.
• For a personalized payment with fee, a deferral fee is also included.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.

Example of personalized payment with interest:

• Interest rate: 18% annually.
• Credit limit: €3,000. 
• Yearly credit card issue and maintenance fee: €90. 

You take out the Repsol Más Visa Platinum Card with a limit of €3,000. That same day, for example, May 1, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay: 

• The first installment will be for €134.38, which includes only interest and the annual credit card issuance and maintenance fee, which is €90.
• The next 11 installments will be for €297.88 each.
• The total amount payable will be €3,411.06 and the APR will be 26.05%.

Example of personalized payment with fee:

• Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
• Credit limit of €3,000. 
• Annual credit card issuance and maintenance fee: €90. 

Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case

You take out the Repsol Más Visa Platinum Card with a limit of €3,000.  That same day, for example, May 1, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay: 

• The first installment will be for €740 and includes part of the principal, the deferral management fee, which is 5% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.
• The next 5 installments will be for €500 each. 
• The total amount payable will be €3,240 and the APR will be 32.60%

If you choose to defer it over 5 months, this is what you will have to pay: 

• The first installment will be for €819 and includes part of the principal, the deferral management fee, which is 4.3% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.
• The next 4 installments will be for €600 each. 
• The total amount payable will be €3,219 and the APR will be 34.83%

If you choose to defer it over 4 months, this is what you will have to pay: 

• The first installment will be for €948 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.
• The next 3 installments will be for €750 each. 
• The total amount payable will be €3,198 and the APR will be 38.03%

If you choose to defer it over 3 months, this is what you will have to pay: 

• The first installment will be for €1,177 and includes part of the principal, the deferral management fee, which is 2.9% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.
• The next 2 payments will be for €1,000 each. 
• The total amount payable will be €3,177 and the APR will be 43.14%

This system applies only to each specific settlement for which it is requested.

The APR in these representative examples was calculated based on an amount greater than €1,500, since it is not possible to get this card with a €1,500 credit limit.